什么是房贷预批(pre-approval)?
房贷预批是购房房贷流程的第一步。
预批是指银行审核您的申请后,出具一份信函或电子邮件,说明已对您进行预批,并将向您提供所申请的贷款金额。该预批通常有效期为60天。这能让您安心确认已从银行获得特定条件下的房贷批准,并有信心在洽谈房产时相信交易能够迅速完成。
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